Do better, together
RateSetter is a peer-to-peer lender. We connect investors who want a better rate on their money with creditworthy borrowers who want a simple, competitive loan.
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Better rates
Low interest rates to reward good borrowers -
Fast application
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Simple and flexible
We think Australian investors should get more and borrowers should pay less, so we cut out the costs and inefficiencies of traditional financial institutions.
An unrivalled track record
Value of loans funded
Everyday Australian investors
Capital and interest returned as due
Attractive, stable returns
Start earning with just $10. Our Provision Fund helps protect your investment.
Last matched rates
Cleaner, greener returns: our Green Loan lending market
Learn moreThe most loved peer-to-peer lender
With more lenders than any other platform, and the highest rating of 4.8 / 5 by borrowers and lenders on ProductReview.com.au, RateSetter is the most loved peer-to-peer lender in Australia.
"I found the interest rate for unsecured finance the best available. The loan process was so easy and the staff provided exceptional customer service"
Maria – Melbourne
"I had no idea how much I could save. By moving over my loan from the bank to RateSetter, I'll be saving myself thousands in interest thanks to their very competitive rates"
Sam – Gold Coast
"Very easy and straightforward. Online application is quick, easy to understand and does most of the work for you. Thank you RateSetter"
Lee – Perth
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Disclaimer
* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
† Lender rates are displayed on an annualised basis and net of applicable fees, based on last matched rates. Lender rates may assume payments received are continually reinvested at the stated rate and assume your investment is protected by the Provision Fund in the event of any borrower late payment or default, however, there is no guarantee nor warranty as to any protection from the Provision Fund. See our Product Disclosure Statement for further details.
The information contained on this website should not be taken as financial product advice and has been prepared as general information only without consideration for your particular investment objectives, financial circumstances or particular needs. You should read the RateSetter Lending Platform Product Disclosure Statement before making any decision about your investment choices. Information on this website is intended for residents of Australia only.
By accessing or using this website or the RateSetter Lending Platform you agree to be bound by our Terms and Conditions.
RateSetter Australia RE Limited ABN 571 666 466 35 holds Australian financial services licence number 449176 and Australian credit licence number 449176. Read more about our legal compliance.
RateSetter is a trademark of Retail Money Market Limited (United Kingdom company number 7075792), used under licence. Copyright © 2017 RateSetter Australia Pty Ltd. All rights reserved.